──其他条款可不可变?当借款人无法满足传统贷款要求的时候,贷款机构有时候会要求提高首付比例,最高提到四成。贷款机构还有可能提高利息,或对这些贷款取消固息还贷的选择。
-- What is the repayment period? Chip Cummings, president of Northwind Financial Corp., a consultant to mortgage lenders, says loans like these can have a balloon structure, which starts out with regular monthly payments but requires the borrower to either pay the remaining balance after a few years or refinance.
──偿还期限是多久?为按揭贷款机构提供咨询的Northwind Financial Corp.的总裁奇普·卡明斯(Chip Cummings)说,这类贷款可能会是一个气球状的结构,借款人一开始按一般情况偿还月供,但几年过后,要么是还清余款,要么是再融资。
-- What could be lost? In some cases, lenders will use part of a borrower's liquid assets as collateral. Borrowers often must sign an agreement that restricts their use of such an asset, like a portion of a brokerage account, until the mortgage is paid in full.
──可能有何损失?贷款机构有时候会将借款人的部分流动资产用作抵押物。借款人常常必须签署限制使用这类资产(如证券账户资金的一部分)直到全额还清贷款的协议。
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